Kisan Card – Payment Update April 2026 (Kisan Card Bill Payment)

Every farmer holding a Kisan Card in Punjab faces a critical financial deadline between mid-April and mid-May 2026. The government has linked the Rs23 billion diesel subsidy and next-season loan eligibility directly to on-time repayment of the interest-free Kisan Card loan.

This guide covers:

• Exact repayment deadlines and why April 30 matters more than May 15
• Five ways to pay your bill – from mobile wallets to bank branches
• Step-by-step instructions for EasyPaisa, JazzCash, BOP ATM, and dgBOP app
• How to verify payment success and restore your Rs150,000 credit limit
• Penalties for late payment and the card reactivation process

Key Takeaways

• April 30 Is the Real Deadline: Paying by April 30 unlocks the Rs23 billion diesel subsidy, reward program entry, and automatic next-season eligibility. May 15 only avoids penalties.
• Full Repayment Only: No partial payments or minimum due options. You must clear the entire outstanding balance (up to Rs150,000) to restore your card for the next crop cycle.
• Five Payment Channels Exist: Branch, ATM, dgBOP app, 1Bill via partner banks, and mobile wallets (EasyPaisa/JazzCash) all work. Choose based on your convenience.
• Penalty for Late Payment: Missing May 15 triggers a penalty on the outstanding amount and automatic card suspension. Default leads to NPA status and loss of all government scheme access.

• Read More: Kisan Card Apply | Kisan Card Eligibility Punjab Farmers
• Read More: Diesel Subsidy Scheme (For Farmers) – Rs 150/L Subsidy by Maryam Nawaz
• Read More: Diesel Subsidy Scheme (Rs. 150/Liter) – Fuel Subsidy App
• Read More: Sasta Petrol Subsidy Scheme – Petrol Subsidy For Bikers

Kisan Card – Payment Update April (Kisan Card Bill Payment)

Introduction: Why the April 2026 Kisan Card Payment Update Matters

The Punjab government launched the Kisan Card to provide interest-free agricultural loans of up to Rs150,000 per season. In April 2026, the program introduced a major update: repayment now determines access to a separate Rs23 billion wheat support package.

Why this update is different:

• Previous cycles allowed repayment anytime within the grace period without losing benefits.
• The 2026 cycle ties subsidy eligibility to repayment timing.
• Farmers who pay after April 30 still keep their card but lose the diesel subsidy and reward prizes.

Who this affects:

• Over 800,000 active Kisan Card holders
• Farmers with land between 1 and 25 acres
• Anyone who used the card for the Rabi season (wheat crop)

What happens if you ignore the deadline:

• Card suspension
• Loss of Rs1,500 per acre diesel subsidy
• No access to Kharif season loans
• Potential NPA classification

Understanding the Kisan Card Repayment Window for April 2026

The Kisan Card repayment window for April 2026 opens on April 15 and closes on May 15, 2026. The early cutoff for maximum benefits is April 30, 2026.

What is the last date to pay the Kisan Card bill in April 2026?

May 15, 2026 is the absolute final date to pay without incurring penalties. This date marks the end of the six-month loan term that began when the card was issued for the wheat season.

Key milestones inside the window:

What the April 30 cutoff unlocks:

• Access to Rs23 billion “Kissan Diesel Subsidy Program”
• Rs1,500 per acre for diesel used in wheat cultivation
• Rs5,000 per acre cash assistance
• Entry into reward draw (tractors, Umrah tickets, gold coins, smartphones)
• Automatic renewal for Kharif season without reapplying

How does the grace period work for the April 2026 cycle?

The grace period runs from May 15 to June 15, 2026. During these 30 days, farmers can still pay without penalties. However, they lose all early payment incentives.

Grace period rules:

• No penalty applied during this period
• Card remains usable for existing transactions
• Diesel subsidy is permanently forfeited
• Reward program entry is cancelled
• Next-season eligibility requires manual reapplication

Example scenario: A farmer pays on May 20. He avoids penalties but receives no subsidy and must reapply for the next loan cycle.

What is the April 30 cutoff for the next Kharif season?

April 30 is the date that separates automatic renewal from manual reapplication. The Kharif season (rice, cotton, sugarcane, maize) starts in May. Farmers need their Kisan Card ready by early May to purchase inputs.

Automatic renewal (pay by April 30):

• System refreshes your Rs150,000 limit within 24 hours
• No need to submit new documents
• Land record verification is automatically confirmed
• You can start using the card immediately for Kharif inputs

Manual reapplication (pay after April 30):

• You must visit a BOP branch
• Submit a fresh application form
• Wait for re-verification of land records (3-7 days)
• Risk of missing early planting window

Five Methods to Pay Your Kisan Card Bill

You can pay your Kisan Card bill through five distinct channels. Each method has different processing times, fees, and requirements.

Read More: Bike Petrol Subsidy App – Apply via SMS | Get 20L Fuel

Method 1: Bank of Punjab Branch Payment

Paying at a physical BOP branch requires your CNIC and your 16-digit Kisan Card number. This method is ideal for farmers who prefer face-to-face transactions or need a stamped receipt immediately.

Step-by-step branch payment process:

• Visit any BOP branch (over 650 locations across Punjab)
• Approach the customer service or agricultural loan counter
• Provide your CNIC and Kisan Card (if available)
• Request a loan repayment challan form
• The officer will verify your outstanding balance
• Pay the full amount in cash or from your BOP account
• Receive a stamped challan as proof
• Keep this receipt until you get SMS confirmation

Advantages of branch payment:

• Immediate stamped receipt
• No technology or mobile app required
• Bank officer can answer questions
• Biometric verification prevents errors

Disadvantages:

• Limited to banking hours (9 AM to 5 PM, Monday to Friday)
• May involve waiting in queues
• Requires travel to a branch

Method 2: BOP ATM Payment

You can pay your Kisan Card bill at any BOP ATM using any bank’s debit card. ATMs are available 24/7 and provide instant printed receipts.

Can I pay my Kisan Card bill through a BOP ATM?
Yes, any debit card from any bank works at BOP ATMs for bill payment. You do not need a BOP account.

Step-by-step ATM payment instructions:

• Insert your debit card into the BOP ATM
• Enter your 4-digit or 6-digit PIN
• Select “Bill Payment” from the main menu
• Look for “Kisan Card” or “Agriculture Loan” in the biller list
• Enter your 16-digit Kisan Card number carefully
• The screen will display your outstanding balance
• Confirm the amount displayed
• Complete the transaction
• Collect the printed receipt with Transaction ID (TID)

ATM payment tips:

• Always check that the amount shown matches your loan balance
• If the amount is zero, you have already paid
• Save the receipt until SMS confirmation arrives
• If the ATM fails, try another machine or use a different method

Method 3: dgBOP Mobile App and Internet Banking

The dgBOP app is Bank of Punjab’s official mobile banking application. It allows instant payment without visiting a branch or ATM.

What is the 16-digit number required for Kisan Card bill payment?
The 16-digit number is printed on the front of your physical Kisan Card. If you lost your card, call the BOP helpline at 042-111-333-267 to retrieve it.

Using the dgBOP mobile app (step by step):

• Download “dgBOP” from Google Play Store or Apple App Store
• Register using your CNIC and mobile number (must match BOP records)
• Log in with your MPIN or biometric
• Tap “Bill Payments” on the home screen
• Search for “Kisan Card” in the biller directory
• Enter your 16-digit Kisan Card number
• The app fetches your outstanding balance automatically
• Confirm the payment amount
• Authenticate using MPIN or fingerprint
• Screenshot the confirmation screen for your records

Using 1Bill in any banking app (alternative method):

Many banks (HBL, UBL, Alfalah, MCB, Faysal Bank) support 1Bill for Kisan Card payments.

• Open your bank’s mobile app
• Go to “Bill Payments” or “1Bill” section
• Search for “Kisan Card” or “CM Kissan Card”
• Enter your 16-digit Kisan Card number
• The system shows your outstanding balance
• Pay using your account balance

Method 4: EasyPaisa Mobile Wallet

EasyPaisa is widely used in rural Punjab and supports Kisan Card bill payment. This method is ideal for farmers who do not have a traditional bank account.

Step-by-step EasyPaisa payment steps:

• Open the EasyPaisa app on your phone
• Log in using your MPIN or fingerprint
• Tap “Bill Payments” on the dashboard
• Search for “Kisan Card” in the biller list
• You may need to select “Government” or “Agriculture” category first
• Enter your 16-digit Kisan Card number
• The app displays your outstanding balance
• Confirm the amount
• Complete payment using your EasyPaisa account balance
• Save the transaction screenshot

EasyPaisa limits and fees:

• Maximum single transaction: Usually Rs50,000 to Rs100,000 depending on account level
• For loans up to Rs150,000, you may need two or three separate payments
• Service fee: Typically Rs0 to Rs50 per transaction
• Processing time: Instant to 2 hours

Method 5: JazzCash Mobile Wallet

JazzCash is another popular mobile wallet that supports Kisan Card bill payments. The process is similar to EasyPaisa.

Step-by-step JazzCash payment steps:

• Open the JazzCash app
• Enter your MPIN to log in
• Navigate to “Pay Bills” section
• Select “Government” or “Agriculture” category
• Find “Kisan Card” in the biller list
• Enter your 16-digit Kisan Card number
• Review the outstanding balance shown
• Confirm payment amount
• Authenticate using MPIN
• Save the confirmation message

JazzCash important notes:

• Transaction limits vary by account verification level
• Fully verified accounts can pay up to Rs150,000 in one go
• Partially verified accounts may have lower limits
• Service charges may apply for high-value transactions

Is there a minimum payment option, or must I pay the full amount?

Full repayment is mandatory. There is no minimum payment option. The Kisan Card is designed as a seasonal loan product, not a revolving credit line.

Why full repayment is required:

• The loan is interest-free, so the bank needs the full principal back to recycle funds
• Partial payments would create administrative complexity for 800,000+ farmers
• The system is designed to reset the full Rs150,000 limit after complete repayment

What happens if you cannot pay the full amount:

• Your card remains blocked
• You cannot get a new loan for the next season
• You must pay the full balance during the grace period (May 15 to June 15)
• After June 15, penalties apply to the unpaid balance

Verification, Status Check, and Troubleshooting

After making a payment, the system takes up to 24 hours to verify the transaction and restore your credit limit. You must confirm that your payment was successful.

How can I verify if my payment was successful?

The Punjab Agriculture Department sends an automatic SMS confirmation to your registered mobile number within 24 hours of successful payment verification.

Five ways to check your payment status:

• SMS confirmation: Wait for the official message. It will say “Your Kisan Card loan has been cleared.”
• Online portal: Visit digitalkissan.bop.com.pk. Enter your CNIC. View payment status.
• Helpline call: Dial 0800-17000. Provide your CNIC to the operator. Ask for payment confirmation.
• BOP branch visit: Ask any BOP branch to check your loan status using your CNIC.
• Mobile app: Log into dgBOP. Check your loan account section for zero balance.

How long does it take for the limit to restore after payment?

The standard processing time is 24 hours from the moment your payment is verified by the system.

Is the Rs150,000 limit automatically renewed after repayment?
Yes, for farmers who pay by April 30, the limit is automatically renewed. For farmers who pay between May 1 and May 15, the limit is restored but manual reapplication may be needed for the next season.

Renewal timeline by payment date:

What should I do if my payment is deducted but not updated?

Payment failures happen. Your bank may deduct money, but the Kisan Card system may not reflect the payment due to technical errors.

Immediate steps to take:

• Do not panic. Save your Transaction ID (TID) immediately after paying.
• Wait 24 hours before taking action. System updates can be delayed.
• Call the BOP helpline at 042-111-333-267. Provide your TID and CNIC.
• If the helpline cannot resolve, visit the BOP branch where you paid (or your nearest branch).
• Bring your payment receipt and CNIC. Request a manual reconciliation.
• Keep all receipts until you receive the official SMS confirmation.

Common causes of payment delays:

• Incorrect 16-digit Kisan Card number entry
• Bank server downtime during high traffic periods
• Mismatch between CNIC on payment and CNIC on card registration
• Weekend or public holiday processing delays

Why is my Kisan Card showing an “Invalid Account” error during payment?

The “Invalid Account” error indicates that the system cannot match your entered information with its records.

Common causes and fixes:

How to fix the error permanently:

• First, verify your information at a BOP branch.
• Update your mobile SIM ownership through your network provider if needed.
• Request a card replacement if your card is expired or damaged.
• After fixing, wait 24 hours before trying to pay again.

Penalties and Consequences of Late or Non-Payment

Failure to repay the Kisan Card loan by May 15, 2026 results in automatic card suspension, a penalty on the outstanding amount, and immediate disqualification from the Wheat Support Package.

Will my Kisan Card be blocked if I don’t pay by May 2026?

Yes. Automatic deactivation occurs on May 16, 2026 for any account with an outstanding balance.

What a blocked card means:

• You cannot purchase fertilizers, seeds, or pesticides using the card
• You cannot withdraw the 30% cash allowance
• You cannot access the diesel subsidy (already lost after April 30)
• You cannot apply for a new loan until the old one is cleared

Blocked card duration:

• The card remains blocked until you pay the full outstanding balance
• After payment, you must request reactivation (see section below)
• If you never pay, the card stays blocked permanently

Is there a penalty or fine for late repayment of the Kisan Card loan?

Yes. While the original loan is interest-free, late payment triggers a penalty designed to encourage timely repayment.

Penalty structure:

• No penalty during the grace period (May 15 to June 15)
• Penalty starts accruing from June 16
• The penalty applies to the full outstanding balance
• Penalty rate is lower than commercial loan interest but still significant

Example penalty calculation:

• Outstanding balance: Rs150,000
• Penalty rate: Applied monthly on the unpaid amount
• If you pay on June 30, you pay the original Rs150,000 plus the penalty amount

What happens if a farmer defaults on the Kisan Card payment?

Default occurs when a farmer fails to pay any amount for an extended period after the grace period ends. The consequences are severe because the Kisan Card system is linked to the Punjab Land Record Authority (PLRA).

Default consequences step by step:

• First month after grace (June 16 – July 15): Penalty accrues. Reminder notices sent via SMS and registered mail.
• Second month (July 16 – August 15): Account marked as “Delinquent.” Your name is shared with other banks.
• Third month (August 16+): Account declared Non-Performing Asset (NPA). Legal notices issued.
• Long-term default: NPA status recorded against your land in PLRA. You cannot get any government scheme or bank loan for years.

What is NPA status?
Non-Performing Asset status means you are considered a high-risk borrower. Banks and government programs will reject your applications for at least 3 to 5 years.

What is the Kisan Card Reactivation Process 2026?

To reactivate a suspended Kisan Card, you must pay all outstanding dues plus any penalties. After payment, the system requires 48 to 72 hours to process reactivation.

Reactivation step-by-step:

• Pay the full outstanding amount plus any penalties at a BOP branch
• Obtain a stamped payment receipt
• Visit your local Tehsil office to verify your land records are current
• Submit a reactivation request at the same BOP branch
• Wait 48 to 72 hours for system processing
• Call the helpline at 0800-17000 to confirm reactivation status
• Once confirmed, your card works again for the next season

Documents needed for reactivation:

• Original CNIC
• Stamped payment receipt
• Land record verification certificate from Tehsil office
• Reactivation request form (available at BOP branch)

Financial Benefits and the Rs23 Billion Wheat Support Package

Kisan Card holders who repay their loans by April 30, 2026 unlock access to the Rs23 billion Wheat Support Package. This package provides Rs1,500 per acre for diesel and Rs5,000 per acre cash assistance.

Is the April 2026 update related to the Wheat Support Package?

Yes. The April 2026 payment update is directly connected to the Wheat Support Package. The government uses the Kisan Card repayment system as a filter to identify genuine, active farmers.

Wheat Support Package details:

• Total budget: Rs23 billion
• Eligible farmers: Those with up to 25 acres of land
• Diesel subsidy: Rs1,500 per acre
• Cash assistance: Rs5,000 per acre (separate from the loan)
• Disbursement method: Direct transfer to Kisan Card or linked bank account

How the package is distributed:

• Farmers who pay their Kisan Card loan by April 30 are automatically enrolled
• No separate application is needed
• Funds appear on the Kisan Card within 15 days after verification
• The diesel subsidy can be used at any authorized fuel station
• The cash assistance can be withdrawn as cash (up to 30% of the amount)

Does the CM Punjab offer any discount on early repayments?

There is no direct discount on the loan amount because the loan is already interest-free. However, early repayment by April 30 unlocks the reward program.

Reward program tiers (based on payment speed):

How the reward program works:

• Every on-time payment generates a digital entry
• Winners are selected through an automated random draw
• Results are announced on the official Punjab Agriculture website
• Prizes are distributed at district-level ceremonies

How does the Kisan Card support the 2026 Kharif season?

For the 2026 Kharif season (May to October), the Kisan Card has been expanded with new features.

New features for Kharif 2026:

• Tractor rental: Use the card to pay for tractor rental services from registered providers.
• Solar tube-well maintenance: Pay for solar panel cleaning, pump repairs, and spare parts.
• Cash withdrawal limit increased: Now 30% of the loan amount (up from 20% in previous seasons).
• More registered dealers: Over 5,000 agricultural input dealers across Punjab accept the card.

Kharif season loan usage breakdown:

• 70% must be spent at registered dealers for:
  • Fertilizers (DAP, Urea, Potash)
  • Certified seeds (rice, cotton, maize varieties)
  • Pesticides and herbicides
  • Diesel for irrigation
• 30% can be withdrawn as cash for:
  • Labor wages
  • Emergency repairs
  • Transport costs

Registration, Eligibility, and Card Management

To register for the CM Punjab Kisan Card 2026, send an SMS with “PKC space CNIC number” to 8070 from your own SIM-registered mobile number. Then complete digital verification through NADRA, PMD, and PLRA.

How to apply for the Kisan Card Online in 2026

The Kisan Card application process is fully digital. You do not need to visit any office until your card is ready for collection.

SMS registration method (for farmers without smartphones):

• Open the SMS app on your mobile phone
• Type: PKC (space) Your 13-digit CNIC number (example: PKC 1234567890123)
• Send to 8070
• You will receive a confirmation SMS within 2 minutes
• Subsequent SMS messages will update you on verification progress

Online portal registration method (for farmers with internet access):

• Visit the official website: agripunjab.gov.pk
• Click on “Kisan Card Apply Online 2026”
• Enter your CNIC and mobile number (must be registered in your name)
• Complete the online form with:
  • Full name as per CNIC
  • Father’s name
  • District, tehsil, and village
  • Land ownership details (khasra numbers if available)
• Submit the application
• Note the tracking number sent via SMS

Verification stages after application:

What are the Kisan Card eligibility criteria for 2026?

All criteria must be met for approval. The government has not relaxed any requirements for 2026.

Complete eligibility checklist (tick all that apply):

• Permanent resident of Punjab province (proof: CNIC with Punjab address)
• Agricultural land ownership or cultivation rights between 1 acre and 25 acres
• Land record must be digitized and available in the PLRA system
• Valid CNIC issued by NADRA (no expired or blocked CNIC)
• Mobile SIM registered against your own CNIC (PMD verified)
• No existing default on any agricultural loan from any bank
• No previous Kisan Card cancellation due to fraud or misuse

Land size clarification:

• Minimum: 1 acre (farmers with less than 1 acre are not eligible)
• Maximum: 25 acres (farmers with more than 25 acres are not eligible for interest-free loan; they may apply for other commercial products)

Who is NOT eligible:

• Tenants without formal cultivation agreements in PLRA
• Farmers whose land is under legal dispute
• Farmers who have already defaulted on a previous Kisan Card loan
• Government employees (active service)
• Individuals with active criminal proceedings related to financial fraud

How to check Kisan Card status online by CNIC

You can check your Kisan Card application status, balance, and payment status through multiple channels.

Kisan Card check online by CNIC methods:

• Portal method: Visit digitalkissan.bop.com.pk. Enter your 13-digit CNIC. Click “Search.” View your status.
• SMS method: Send your CNIC to 8070. You will receive a reply with your current status.
• Helpline method: Call 0800-17000. Provide your CNIC to the operator. Ask for status.
• Branch method: Visit any BOP branch. Provide your CNIC to the counter officer. They will print your status.

Kisan Card balance check options:

Kisan Card Helpline number and Support

Two helplines are available for different types of issues.

Primary helpline (Agriculture Department):

• Number: 0800-17000
• Hours: 8 AM to 8 PM, seven days a week
• Languages: Urdu, Punjabi, English
• Services: Payment verification, status check, eligibility questions, complaint registration

Secondary helpline (BOP for card activation):

• Number: 042-111-333-267
• Hours: 9 AM to 5 PM, Monday to Friday
• Services: New card activation, lost card reporting, PIN reset, card replacement

What to have ready before calling:

• Your CNIC number
• Your 16-digit Kisan Card number (if you have it)
• Your registered mobile number
• Any transaction IDs or receipts (if you have a payment issue)

Advanced Topics: Loans, Limits, and Digital Payments

The Kisan Card offers a maximum interest-free loan of Rs150,000 per season. This amount can be used entirely for agricultural inputs.

Can I increase my credit limit by paying earlier than the deadline?

Yes. Farmers who consistently repay before the deadline build a positive credit history. The government has announced that Phase III of the Kisan Card program will offer higher limits to farmers with perfect repayment records.

How limit increases work:

• Phase I (current): Up to Rs150,000 for 5 acres (Rs30,000 per acre)
• Phase II (planned for next year): Up to Rs200,000 for eligible farmers
• Phase III (planned): Up to Rs300,000 for farmers with two consecutive on-time repayments

What qualifies you for a limit increase:

• Paid the full amount by April 30 in the current cycle
• No defaults or late payments in previous cycles
• Land record remains valid and unchanged
• Active use of the card for agricultural inputs only

Do I need to show my CNIC at the bank during repayment?

Yes. Biometric verification is mandatory for all Kisan Card transactions, including repayment.

Why CNIC is required:

• Prevents fraud (someone else paying on your behalf without permission)
• Ensures the payment is credited to the correct account
• Creates an audit trail for government monitoring
• Satisfies banking regulations for financial transactions

What happens if you forget your CNIC:

• You cannot pay at a BOP branch
• You can still pay via ATM, mobile app, EasyPaisa, or JazzCash
• For digital methods, you do not need to show physical CNIC because the system already has your biometric data on file

Can someone else pay the bill on behalf of the cardholder?

Yes. A family member, neighbor, or friend can pay your Kisan Card bill. However, the bank needs specific documentation.

Requirements for third-party payment at a branch:

• The person paying must bring a photocopy of the cardholder’s CNIC
• The person paying must bring the 16-digit Kisan Card number
• The person paying must show their own CNIC (for bank records)

What happens after third-party payment:

• The payment receipt shows the payer’s name
• The cardholder still receives the SMS confirmation
• The cardholder’s loan account is cleared as usual
• No additional fees or penalties apply

Is a bank challan required for manual payment at the bank?

Yes. For over-the-counter payments at BOP branches, a bank challan is required. The challan is a physical form that records the transaction.

Challan process:

• The bank officer generates the challan using your Kisan Card number
• The challan shows your name, CNIC, and outstanding amount
• You take the challan to the cash counter
• You pay the amount in cash
• The cashier stamps the challan as “Paid”
• You receive one copy of the stamped challan

Why you must keep the challan:

• It is your only proof of payment until the SMS arrives
• If the SMS never arrives, the challan is needed for dispute resolution
• Banks may request the challan for reconciliation
• Keep it for at least 3 months after payment

Are there any service charges for paying the bill online?

Service charges vary by payment method. Some methods are free; others have small fees.

Service charge breakdown by method:

How to avoid service charges:

• Use BOP branch, BOP ATM, or dgBOP app for free payments
• If using EasyPaisa or JazzCash, check your account type first
• For 1Bill, some banks waive fees for agriculture billers

Frequently Asked Questions (FAQs)

What is the last date to pay the Kisan Card bill in April 2026?
May 15, 2026 is the final deadline. But paying by April 30 is strongly recommended to qualify for the Rs23 billion diesel subsidy and reward program.

Can I pay my Kisan Card bill through EasyPaisa or JazzCash?
Yes. Both mobile wallets support Kisan Card bill payment. Search for “Kisan Card” in the bill payments section and enter your 16-digit card number.

Will my Kisan Card be blocked if I don’t pay by May 2026?
Yes. Automatic deactivation occurs on May 16, 2026. A blocked card cannot be used for any purchases or cash withdrawals until the full balance is paid.

How can I check my outstanding balance on the Kisan Card?
Send your CNIC to 8070 via SMS. Or call 0800-17000. Or visit digitalkissan.bop.com.pk and enter your CNIC.

What happens if a farmer defaults on the Kisan Card payment?
The account is declared a Non-Performing Asset (NPA). This status is recorded against your land in the PLRA system. You lose access to all government schemes and bank loans for years.

How long does it take for the limit to restore after payment?
24 hours for payments made by April 30. 48 hours for payments made between May 1 and May 15. 72+ hours for payments made during the grace period.

Is there a penalty for late repayment of the Kisan Card loan?
Yes. No penalty during the grace period (May 15 to June 15). Penalties start accruing from June 16 on any unpaid balance.